PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Great Lakes Trust Company, National Association

Blue Island, IL · Cert 57128

FDIC

Q3 2007

$4.4MAssets
n/aLoans
n/aDeposits
$3.9MEquity

Executive Summary

  • Earnings: ROA of 84.11%, up 7,897 bps year over year; NIM at 0.61%.

Return on Assets (quarter, annualized)

84.11%+7,897 bps YoY

Net Interest Margin (quarter, annualized)

0.61%-240 bps YoY

Efficiency Ratio (quarter, annualized)

17.41%-5,921 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

2.97%Q3 ’053.01%Q3 ’060.61%Q3 ’07+1%-80%

Non-interest income vs. expense

33.84%Q3 ’0525.07%Q3 ’0626.32%Q3 ’07+29%-2578%

Discrete quarter, annualized.

MetricQ4 2005Q1 2006Q2 2006Q3 2006Q4 2006Q1 2007Q2 2007Q3 2007YoY ΔTrend
Earnings
Return on Assets1.86%7.22%3.92%5.13%7.47%9.87%4.28%84.11%+7,897 bps
Return on Equity2.16%8.28%4.22%5.55%8.02%10.34%4.42%91.49%+8,594 bps
Net Interest Margin2.84%3.14%2.92%3.01%2.66%2.56%2.35%0.61%-240 bps
Efficiency Ratio92.66%73.17%83.70%76.63%69.90%60.61%80.38%17.41%-5,921 bps
Non-Interest Burden0.25%-8.37%-2.79%-4.64%-8.23%-12.40%-4.08%-124.22%-11,958 bps
Growth
Asset Growth (YoY)-11.71%-1.77%0.00%2.68%-6.44%3.87%3.48%40.95%+3,827 bps
Loan Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital380%430%419%441%443%473%463%452%+1,151 bps
Equity / Assets80.99%94.46%91.24%93.66%92.71%98.33%95.55%89.25%-441 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/an/an/an/a
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a